Posted by zaqwerty > 2016-12-02 13:45 | Report Abuse

If and only if it compensate the buyer when house price crash.

Posted by stockraider > 2016-12-03 11:23 | Report Abuse

Islamic finacing, conventional financing & christian financing all these cannot make housing affordable mah....!!

Btw Islamic financing & conventional financing cost about the same mah...!!
If not for msia govt incentive ....the islamic financing will cost more generally loh.!!

Posted by nickychang > 2016-12-03 13:11 | Report Abuse

Islamic financing, for bank side reduce uncertainty, paying lower premium on insurance and having lower on capital reserve. so market will have more liquidity. more stable financial system.

Posted by nickychang > 2016-12-03 13:12 | Report Abuse

it is not significant affect the house price. but significant improve financial stability and banks profitability.

Posted by nickychang > 2016-12-03 13:14 | Report Abuse

Islamic concept = sharing of risk
bank just an intermediate to link up depositor and loan borrower.

conventional = bank eat all the risk and all the profit.

so Islamic products , can make market transaction cost lower. more cost efficiency. that's why BNM keeps on Islamic concepts.

Posted by nickychang > 2016-12-03 13:18 | Report Abuse

correct me if I'm wrong.

Posted by calvintaneng > 2016-12-03 13:47 | Report Abuse

Posted by Mango Juice > Dec 3, 2016 01:45 PM | Report Abuse

Islamic banking capture majority muslims market! It's as simply that!

CORRECT!

DRB has Bank Maumalat!!

It has both Islamic banking

& ALSO ISLAMIC PAWN SHOP!!

huhuhu!!

Posted by stockraider > 2016-12-03 13:50 | Report Abuse

Raider ask u all lah....islamic banking call for sharing risk....no charging of interest.....and people bankrupt...no auction on people dear property loh....!! Got meh ??

No loh....islamic banking is like shylock....still do exactly like conventional banking do....but try very hard to disguise loh....!!

Banking don charge interest cannot mah....!!

Posted by calvintaneng > 2016-12-03 13:56 | Report Abuse

Posted by stockraider > Dec 3, 2016 01:50 PM | Report Abuse

Raider ask u all lah....islamic banking call for sharing risk....no charging of interest.....and people bankrupt...no auction on people dear property loh....!! Got meh ??

No loh....islamic banking is like shylock....still do exactly like conventional banking do....but try very hard to disguise loh....!!

Banking don charge interest cannot mah....!!

CORRECT!! CORRECT!!

How muslims are duped to believe no interest charge?

I took 2 or 3 Islamic loan for houses. Interest is about the same. Only thing is there is no lock in penalty if you settle loan anytime.

For non Islamic financing if you settle loan too early, say before 2 years. there is a penalty charge.

As Malaysia is getting more Islamic with PAS & UMNO die hards more will go for Islamic Banking

So good for Bank Maumalat & DRB!

Posted by stockraider > 2016-12-03 13:59 | Report Abuse

Calvin,

Some how ur bank mumalat don perform well loh....!!
Business and profit of the bank drop alot mah....!!

Posted by calvintaneng > 2016-12-03 14:03 | Report Abuse

Posted by stockraider > Dec 3, 2016 01:59 PM | Report Abuse

Calvin,

Some how ur bank mumalat don perform well loh....!!
Business and profit of the bank drop alot mah....!!

Yes Sifu Raider,

I know. Najib didn't let it do well because Dr M was chairman of DRB's Proton then.

Now is a different story. Just wait & see loh!

Posted by stockraider > 2016-12-03 14:07 | Report Abuse

Overall your DRB is a very good value preposition loh....!!

The headwind are ;

1. Proton losses
2. Falling profit of bank mumalat
3. high debts or leverage.

If these can be reduced the rerating will be triggered.

Posted by calvintaneng > 2016-12-03 14:14 | Report Abuse

Posted by stockraider > Dec 3, 2016 02:07 PM | Report Abuse

Overall your DRB is a very good value preposition loh....!!

The headwind are ;

1. Proton losses
2. Falling profit of bank mumalat
3. high debts or leverage.

If these can be reduced the rerating will be triggered.

Yes, if under Dr M, things will be quite hopeless.

See how Najib can turn it around or not. In any case Singapore newspapers reported that this coming Election is critical. So there will be a do or die battle for Najib.

So let's see!

Nice talking yo you and all here.

See all later

I am spending the afternoon in Spore reading

Donald Trump's book called

"THINK BIG AND KICK ASS" Got to read 300 over pages.
Bye for now!